Avoid out-of-pocket insurance expense with an annual review

As consumers, we are all price conscious, seeking out the best value for our dollar. As an insurance agent, I not only want to save my client premium dollars, but need to advise on ways to keep exposure risks low. Our agency has been working with clients and carriers for more than 25 years and we understand the everyday matters which can affect homeowner’s insurance rates. M...
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Umbrella – More than Just protection from the elements

The true value of an Umbrella Insurance Policy What is an Umbrella Policy? Whether you have auto, homeowners or recreational vehicle policies you likely feel protected against any incident that may occur. Most of the time that might be true, however, all insurance policies have limits and life can be unpredictable. Should someone personally sue you for medical expenses,...
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LOCAL AGENCY KICKS OFF COMMUNITY 1,000 INITIATIVE

Throughout 2017 agency staff will strive to donate time of more than 1,000 cumulative hours to give back to their local communities. Any acts of volunteerism reported by employees of Santo Insurance will be logged and included in the total initiative summary. Currently, staff and agents are involved in multiple organizations from board advisory positions to the service o...
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New Homeowners Day – Welcome Home!

Investing in your first home is not only a large financial commitment, but also a commitment of time and resources into what can only be thought of as a perpetual DIY project. Most new homeowners want their house to reflect their personalities, their lifestyles and their tastes. This means updates and upgrades. Proper planning allows for allocation of funds on the most desired ...
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It’s Almost Tax Day – Why Do I Care About Insurance Today?

Tomorrow is TAX DAY! Hopefully you are among the millions who have already filed and moved this task to your “done” list. There are many of us who like to wait until the bitter end though, so thankfully the date was extended through April 18th (mail by midnight or file an extension.) Why should I think about taxes? If you are wondering how your insurance premiums and coverag...
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Busier Roadways Equate to Higher Incidence Levels

Young professionals and urbanites are among the large number of healthy minded, environmentally conscious commuters walking and biking into the office. While there is much to be said about the health benefits that result from this trend, it seems to be coming at a risk. According to the Governors Highway Safety Association (GHSA), there was a record 11% increase in the numbe...
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Rise in drone personal use, what does it mean for home owners insurance?

Think your drone, or that of your child, is just another toy? Well, you might only be partially correct. According to unmanned aircraft system (UAS) statutes any unmanned aircraft must be registered with the FAA (Federal Aviation Administration). Want to ensure plenty of fun, but fly safe and smart? Check out the Pre-flight checklist This new home flight technology provides ...
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Life Insurance- The Perfect Valentine

As Valentine’s Day and the season of love gets underway, it’s the perfect time to review your life insurance coverage and talk to family and friends about the many benefits it provides. Life insurance is really “love” insurance. If someone will suffer financially when you die, then you need it. While nothing can replace you, having life insurance means that if something happene...
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Fire Safety Tips for Your Christmas Tree

Did you know that Christmas trees alone result in 13 million dollars, annually, in property damage? When showcasing a live tree in your home, the combination of tree dryness, electrical malfunction with lights and poorly located heating sources can make for a deadly combination. When selecting a Christmas Tree, whether from a local greenhouse or the Christmas Tree lot, sure ...
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Stay Safe on the Road All Winter with These Hazardous Weather Driving Tips

Stay Safe on the Road All Winter By now you all know the drill... slow down on cold wet, icy or snow covered roads. Nationally, there are over 5,748,000 vehicle crashes each year on average. More than 20 percent of these crashes - nearly 1,259,000 - are weather-related. (Weather-related crashes are defined as those crashes that occur in adverse weather.)  D...
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